# First National Bank Texas

> **Canonical URL:** https://saferate.com/lenders/first-national-bank-texas


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


First National Bank Texas is a bank, headquartered in Killeen, TX, serving borrowers across 26 states, with 820 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 31% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 9% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493006KQF5UKZ3Y9N07
- **Headquarters:** Killeen, TX
- **Geographic Reach:** Near-National
- **States Served:** 26
- **State List:** AL, AR, AZ, CA, CO, FL, GA, IN, KS, KY, ME, MI, MO, NC, NM, NV, NY, OH, OK, PA, SC, TN, TX, UT, WA, WI
- **Markets (MSAs):** 8
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 69/100
- Rating: ●●●●○ (4/5)

### Pull Through: Exceptional 🤩
- Score: 91/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.020%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,899
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 820
- **Dollar Volume:** $238 million
- **Applications Received:** 1,030
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $290,366
- **Average Borrower Income:** $111,943
- **Average Property Value:** $319,561

## Safe Rate Awards 🏆

- 💎 **VA Diamond Champion** (90%)
- ⭐ **FHA Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (77%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 46/100 | 118 | +0.539% | $2,563 | Sound ☺️ |
| FHA | 78/100 | 359 | +0.199% | $2,277 | Strong 😀 |
| VA | 81/100 | 343 | -0.650% | $750 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 103 loans, Score: 48/100 (Sound)

**FHA:**
- Purchase: 351 loans, Score: 78/100 (Strong)

**VA:**
- Purchase: 333 loans, Score: 81/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 73/100 | 787 | $229M | +0.016% | Strong 😀 |
| Refinance | 50/100 | 33 | $10M | +0.094% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 750 | 0.21% | 81/100 |
| AZ | 31 | 0.03% | 50/100 |
| NM | 11 | 0.05% | 41/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Killeen | TX | 359 | 97/100 |
| El Paso, TX | TX | 254 | 89/100 |
| Non |  | 52 | 41/100 |
| Phoenix | AZ | 29 | 50/100 |
| Corpus Christi, TX | TX | 21 | 53/100 |
| Waco, TX | TX | 21 | 56/100 |
| Austin | TX | 12 | 41/100 |
| Houston | TX | 12 | 39/100 |

## Where This Lender Ranks

First National Bank Texas appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Texas for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Killeen
  - [View Full Rankings](https://saferate.com/killeen/best-mortgage-lenders)
- 🥇 **#1** in Killeen Banks
  - [View Full Rankings](https://saferate.com/killeen/best-mortgage-lenders/banks)
- 🥇 **#1** in Killeen for FHA Loans
  - [View Full Rankings](https://saferate.com/killeen/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Killeen for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/killeen/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Killeen for VA Loans
  - [View Full Rankings](https://saferate.com/killeen/best-mortgage-lenders/va-loans)
- 🥇 **#1** in Killeen for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/killeen/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in El Paso, TX Banks
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders/banks)
- 🥇 **#1** in El Paso, TX for FHA Loans
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in El Paso, TX for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in El Paso, TX for VA Loans
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders/va-loans)
- 🥇 **#1** in El Paso, TX for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Corpus Christi, TX Banks
  - [View Full Rankings](https://saferate.com/corpus-christi-tx/best-mortgage-lenders/banks)
- 🥇 **#1** in Corpus Christi, TX for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/corpus-christi-tx/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Waco, TX Banks
  - [View Full Rankings](https://saferate.com/waco-tx/best-mortgage-lenders/banks)
- 🥈 **#2** in Texas Banks
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/banks)
- 🥈 **#2** in Texas for VA Loans
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/va-loans)
- 🥈 **#2** in El Paso, TX
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders)
- 🥈 **#2** in Waco, TX
  - [View Full Rankings](https://saferate.com/waco-tx/best-mortgage-lenders)
- 🥈 **#2** in Waco, TX for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/waco-tx/best-mortgage-lenders/banks/fha-loans)

## Frequently Asked Questions

### What loan types does First National Bank Texas offer?

First National Bank Texas offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does First National Bank Texas offer mortgages?

First National Bank Texas offers mortgages in 26 states: AL, AR, AZ, CA, CO, FL, GA, IN, KS, KY, ME, MI, MO, NC, NM, NV, NY, OH, OK, PA, SC, TN, TX, UT, WA, WI.

### How competitive are First National Bank Texas's mortgage rates?

First National Bank Texas has a pricing score of 69/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.020% above market average.

### What type of lender is First National Bank Texas?

First National Bank Texas is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Killeen, TX.

### What is First National Bank Texas's loan approval success rate?

First National Bank Texas has a pull-through score of 91/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/first-national-bank-texas

### How to Cite

> "First National Bank Texas Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-national-bank-texas

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